# No pension? Here's help for over-65s

> Sandra, 65, has no pension but plans to save £1,000 monthly for 10 years.
- Title: No pension? Here's help for over-65s · Dailymail | Shortify
- Summary: Sandra, 65, has no pension but plans to save £1,000 monthly for 10 years. Sandra Garlick, 65, will pay £1,000 monthly into a pension for 10 years to avoid…
- Keywords: sandra garlick, state pension, pension savings, retirement, pension contributions, tax relief, pension age, pension auto-enrolment, pension plan, news, entertainment, pension
- Source: Dailymail — https://dailymail.com/money/article-16223125/The-rise-65s-no-pension-Im-one-millions-women-middle-older-age-havent-saved-retirement-help-hand-heres-do.html?ito=1490&ns_campaign=1490&ns_mchannel=rss
- Published: 2026-10-21T17:39:07+00:00
- Read time: 1 min
- Topics: sandra garlick, state pension, pension savings, retirement, uk, pension contributions, tax relief, pension age, pension auto-enrolment, pension plan, news, entertainment
## Sandra's situation
Sandra Garlick, 65, has no pension savings despite having good jobs and running her own business.

> I had no financial education
## One in six women
One in six people approaching their late 60s have no private pension and less than £25,000 in savings.
## State pension basics
State pension pays £12,547.60 annually but costs £13,900 for a minimum living standard.
## Pension auto-enrolment
Pension auto-enrolment started in 2012 but Sandra's generation missed it due to career breaks and divorce.
## Sandra's plan
Sandra plans to pay £1,000 monthly into a pension for 10 years with tax relief.
## Tax relief details
Tax relief adds £250 for every £1,000 paid into a pension as a basic-rate taxpayer.
## Pension growth potential
£1,000 monthly could grow to £200,000 in 10 years with 5% annual returns after fees.
## Sandra's advice
Sandra advises women to use their skills and help others to build retirement income.

> I’ve made sure my two boys, now aged 42 and 39, are financially stable
## Pension Wise service
Free appointments with Pension Wise help those over 50 plan retirement options.
## Sandra's future
Sandra will work for 10 more years and plan to retire at 75 with savings.

> I’d also like to write romance novels
## Key takeaway

Sandra Garlick, 65, will pay £1,000 monthly into a pension for 10 years to avoid retirement poverty.